Senior Credit Analyst: Risk & Portfolio Analytics

Meriton; Irving (TX); Hybrid; USD 90,000 - 120,000; Full time

Job summary

Meriton, a national HVAC-focused team, seeks a Senior Credit Analyst in Irving, TX to manage complex credit analysis, high-risk accounts, and master data integrity across business units. The role includes credit approvals, portfolio analytics, and performance reporting to support sound financial decisions.

The Senior Credit Analyst will mentor peers, drive process improvements, and ensure SOX compliance while leveraging Power BI dashboards and Dynamics 365 data.

Qualifications

• 5+ years of experience in credit analysis, financial review, or related accounting/finance role.
• Strong analytical skills with ability to interpret financial statements.
• Proficiency with Microsoft Dynamics 365, F&O, Excel (pivot tables, xlookups), and Outlook.
• Experience with ticketing or case management systems preferred.
• Strong understanding of multi-entity exposure aggregation and risk reporting.
• Experience supporting SOX compliance, audits, and process improvement projects.

Responsibilities

• Review and approve credit applications within delegated authority limits.
• Conduct in-depth financial statement analysis, risk scoring, and exposure aggregation across multiple entities.
• Recommend credit terms and limits for high-value or high-risk accounts.
• Ensure credit limit reviews are completed every 6–12 months or upon trigger events.
• Support legal and management teams in escalated credit or lien issues.
• Analyze A/R aging and DSO performance; identify exposure concentrations.
• Track and report portfolio-level credit KPIs in Power BI and Excel dashboards.
• Perform root cause analysis of delinquencies or credit losses.
• Provide inputs for bad debt allowance and reserve calculations.
• Oversee compliance with SOX and audit standards for documentation accuracy.

Skills

Credit analysis

Financial analysis

Risk assessment

Multi-entity exposure

SOX compliance

Tools

Microsoft Dynamics 365

Power BI

Excel

Outlook

Job description

Meriton, a national HVAC-focused team, seeks a Senior Credit Analyst in Irving, TX to manage complex credit analysis, high-risk accounts, and master data integrity across business units. The role includes credit approvals, portfolio analytics, and performance reporting to support sound financial decisions.

The Senior Credit Analyst will mentor peers, drive process improvements, and ensure SOX compliance while leveraging Power BI dashboards and Dynamics 365 data.